 How can I find out the named insurer for a nursing home if they won't give it to me? |
I want to notify the insurance company of the situation at the nursing home. my dad died needing cpr and cpr was not administered when he had a full code. it has been reported to the state.
A... |
|
 Insurance ripped me off? |
| i had 2 cars insured in my name i was involved in a accident i got med pay for one car is that right was i suppose to get med pay for both ... |
|
 Can someone please explain what EXACTLY a health insurance deductible is/means? |
| I am really confused about what a deductible is (regarding health insurance). I am new to the insurance thing. My new policy has a $500 deductible. I assumed this meant that I would have to pay the ... |
|
 What happens if I want to make an insurance claim but there was a gap in protection on my policy? |
| I have got response that I should report an accident to my insurance company but at that time I wasn't insured. My policy was cancel but I just got it reinstated today. The accident was ... |
|
 LIC Policy suggest me good policy ? |
| my age is 28 year,& i want to take one good lic policy.i am unmarried plz suggest me good policy for that,... |
|
 Is Direct Travel insurance a O.K company to insure holiday with? |
Its for a 2 week break 2 mexico.
just wanted to know if its a established,respectable company thanks?... |
|
 Anyone know whats going on with my insurance quote? |
| I am REALLY confused about these quotes i got, i have my test booked for the 10th of december and i am thinking about insurance so i got a quote for me on my dads car, the original quote for me (... |
|
 Holiday insurance for 5 adults one child? |
Where can I get cheap insurance for my family of six travelling to Florida next year.
Two parents
One son aged 24 - working
Daughter and Son - both full time students aged 19 and 21... |
|
 Will anthem blue cross blue shield cover this surgery? |
lapband or/and gastric bypass
its the kentucky one, which i guess they are all pretty much the ... |
|
 Should companies be allowed to use your family health records to determine your coverage and rates? |
| I was reading recently that insurance companies are now using family history to calculate rates and even deny coverage where they can perceive a loss or bad investment. I believe most corporate ... |
|
 Life insurance? |
| I would like to get life insurance, I am single, going to be 23 years old, I dont need anything major but i would like enough to pay off all of my bills and student loans, if something should happen. ... |
|
 Insurance claim? |
| Has anyone ever had problems getting their insurance company to pay out on a diamond ring that has been "posted" down the drain by their 2 years old?... |
|
 Aetna insurance? |
| I recently got health care coverage through my work. i was told from a friend/employee that i have to wait a year before i can get pregnant. my husband and i are ready to have another child asap. i ... |
|
 Heater burned hole in carpet can i claim insurance? |
| So i am in a rented property and i used the landlords electric portable heater one night, placed in on the carpet, the element in the heater must have fallen to the bottom, its a really flimsy design ... |
|
 How much does smokers life insurance cost? |
for lets say a 45 year old male wanting $200,000.00
Additional Details
$250 per month for what dollar amount?... |
|
|  |
paristoys | Does homeowner's insurance usually cover 100% of your home value during a natural disaster? |
|
 |
 
bostonianinmo
|
Only if you are fully covered for the replacement cost of the home. A common error that may people make is to insure their home only for what they paid for it. I paid $117k for my place but building a similar home in the area would cost $225k today so that's how much coverage I have to carry to be fully covered.
On top of that, if you are covered for less than 80% of the replacement cost, ANY payment on any claim will be adjusted downward to reflect the proportional amount of the coverage. For example, if you're covered only for 75% of the replacement cost and have a roof damage claim, reimbursement will be limited to 75% of the repair cost.
Of course, in all claims the deductible will be subtracted from any and all claims. |
|
Gerald
|
Policies are all written differt---not all companies have the same coverages...If you have no idea--better sit in the agents office with a note pad and make sure that the coverages are what you expct for the monthly premium |
|
Gatsby216
|
Not to be flip, but like grandpa said..."read everything you sign." You need to carefully read and understand your policy statement. Do NOT call your agent, ask them a question, get a generic answer, then think you are OK.
Just look at the lawsuits related to insurance claims in LA, MS, California, etc. A lot of folks thought they were covered.
Flooding is not covered, neither is sewer back up and lots of other items. |
|
bobby d
|
no |
|
Janet F
 |
Depends on your policy. Some have full replacement value. Some just pay you whatever the amount of the policy is. Some require you re-build in the same spot. Call your agent. |
|
mbrcatz
|
That's a loaded question. "Natural disaster" isn't referred to in a policy. And I'll tell you flat out, FLOOD ISN'T COVERED by the homeowners policy. In some areas, WIND isn't covered under a homeowners policy, you need seperate coverage for that.
In ANY case, most policies DON'T cover more than you insure your house for, and MOST people don't like to insure their home for 100% REPLACEMENT value. They prefer insuring for MARKET value, so it's frequently a fight when you start a policy, to be sure the house is insured adequately.
SOME policies aren't even WRITTEN on a replacement value, but "functional replacement" or even "market" value, which would leave a home SUBSTANTIALLY underinsured in case of a loss.
To sum up, if you want YOUR house to be fully covered during a "natural disaster", schedule a sit-down with your agent, be sure you have a replacement policy where your house is insured to full value, check that you have flood coverage in place (seperate policy, remember?) and wind (might be a seperate policy), and earthquake (also might be a seperate policy). NO ONE HERE can give a carte blanche answer that's accurate, to YOUR situation. |
|
incaguy37
 |
I would check the policy to see what the coverages are/or contact your insurance agent and he/she will know what exactly is covered and how much. |
|
Zeltar
 |
"Usually" is the key word. Not normally. The majority of people are under-insured. One needs to review their policy yearly and make sure it keeps up with inflation. |
|
California Native
|
No one here knows this answer; check your policy. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 17 minutes(s) ago
| | | |
9 | 40 minutes(s) ago
| | | |
9 | 42 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
8 | 4 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
8 | 7 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
8 | 3 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
